ADCB Makes AED 9.1 Billion Profit Before Tax in First Nine Months of 2025
Image used for illustrative purpose. Photo: WAM
Abu Dhabi: Abu Dhabi Commercial Bank (ADCB) said it made a profit of AED 9.1 billion before tax in the first nine months of this year. The bank’s profit kept growing for the 17th time in a row, showing strong and steady progress.
ADCB said it is using new technology to make banking faster, easier, and better for customers. The bank’s goal is to keep improving while also preparing for the future.
During the first nine months of 2025, ADCB’s profit before tax grew by 18% compared to last year. In the third quarter alone, the profit before tax was AED 3.16 billion. The bank’s cost-to-income ratio, which shows how much it costs to make money, got better—dropping to 27.7%. This means ADCB is working more efficiently.
ADCB’s income from fees and services (non-interest income) grew 34%, while income from loans (net interest income) went up by 12%. This happened because more people and companies are using ADCB’s banking products and services.
The UAE’s strong economy also helped. Big investments in areas like infrastructure, clean energy, and new industries have created more business opportunities.
In the last 12 months, ADCB’s loans increased by AED 57 billion (up 17%) to reach AED 401 billion. Customer deposits also went up by AED 76 billion (up 19%) to reach AED 482 billion. Of that, AED 47 billion came from people’s regular and savings accounts.
By the end of September 2025, ADCB had total assets worth AED 744 billion, which is 17% more than last year. The bank also kept its financial position strong, with a capital adequacy ratio of 16% and a common equity ratio of 12.7%.
The number of bad loans dropped to 1.86%, the lowest ever for ADCB. The bank also set aside enough money to cover any possible loan problems, showing its careful approach to managing risks.
In simple terms, ADCB is growing fast, making good profits, using technology wisely, and keeping its customers’ money safe.
